Flood Insurance in Wisconsin

Floods are one of the most common natural hazards in the United States and the standard homeowner's policy does not cover damage to property that result from flooding. Floods are becoming more severe throughout the country because more roads, buildings and parking lots are being constructed where forests once stood.

Flood insurance denotes the specific insurance coverage against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands, floodplains and floodways that are susceptible to flooding. Since floods can happen to anybody just about anywhere, you probably should consider taking out a flood insurance policy in Wisconsin too. If you live in a high-risk flood area and buy a home by taking out a loan backed by a federally insured mortgage, your lender will require that you buy flood insurance.